LTV · monthly repayment
▼ 0.50% · 3.625%
HK$23,645
−HK$1,483/mo
▼ 0.25% · 3.875%
HK$24,380
−HK$748/mo
Today · 4.125%
HK$25,128
baseline
▲ 0.50% · 4.625%
HK$26,657
+HK$1,529/mo
Deposit HK$5.18M · loan HK$5.18M · min. income ≈ HK$50,256/mo (50% DSR)
Upfront cash ≈ HK$5.57M (deposit + AVD stamp duty HK$388,852 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,305
−HK$1,421/mo
▼ 0.25% · 3.875%
HK$27,010
−HK$716/mo
Today · 4.125%
HK$27,726
baseline
▲ 0.50% · 4.625%
HK$29,187
+HK$1,461/mo
Deposit HK$5.18M · loan HK$5.18M · min. income ≈ HK$55,452/mo (50% DSR)
Upfront cash ≈ HK$5.57M (deposit + AVD stamp duty HK$388,852 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,374
−HK$1,779/mo
▼ 0.25% · 3.875%
HK$29,256
−HK$897/mo
Today · 4.125%
HK$30,153
baseline
▲ 0.50% · 4.625%
HK$31,988
+HK$1,835/mo
Deposit HK$4.15M · loan HK$6.22M · min. income ≈ HK$60,306/mo (50% DSR)
Upfront cash ≈ HK$4.54M (deposit + AVD stamp duty HK$388,852 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,566
−HK$1,705/mo
▼ 0.25% · 3.875%
HK$32,412
−HK$859/mo
Today · 4.125%
HK$33,271
baseline
▲ 0.50% · 4.625%
HK$35,025
+HK$1,754/mo
Deposit HK$4.15M · loan HK$6.22M · min. income ≈ HK$66,542/mo (50% DSR)
Upfront cash ≈ HK$4.54M (deposit + AVD stamp duty HK$388,852 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,103
−HK$2,076/mo
▼ 0.25% · 3.875%
HK$34,132
−HK$1,047/mo
Today · 4.125%
HK$35,179
baseline
▲ 0.50% · 4.625%
HK$37,319
+HK$2,140/mo
Deposit HK$3.11M · loan HK$7.26M · min. income ≈ HK$70,358/mo (50% DSR)
Upfront cash ≈ HK$3.50M (deposit + AVD stamp duty HK$388,852 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,827
−HK$1,989/mo
▼ 0.25% · 3.875%
HK$37,814
−HK$1,002/mo
Today · 4.125%
HK$38,816
baseline
▲ 0.50% · 4.625%
HK$40,862
+HK$2,046/mo
Deposit HK$3.11M · loan HK$7.26M · min. income ≈ HK$77,632/mo (50% DSR)
Upfront cash ≈ HK$3.50M (deposit + AVD stamp duty HK$388,852 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,561
−HK$2,669/mo
▼ 0.25% · 3.875%
HK$43,885
−HK$1,345/mo
Today · 4.125%
HK$45,230
baseline
▲ 0.50% · 4.625%
HK$47,982
+HK$2,752/mo
Deposit HK$1.04M · loan HK$9.33M · min. income ≈ HK$90,460/mo (50% DSR)
Upfront cash ≈ HK$1.43M (deposit + AVD stamp duty HK$388,852 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,348
−HK$2,558/mo
▼ 0.25% · 3.875%
HK$48,618
−HK$1,288/mo
Today · 4.125%
HK$49,906
baseline
▲ 0.50% · 4.625%
HK$52,537
+HK$2,631/mo
Deposit HK$1.04M · loan HK$9.33M · min. income ≈ HK$99,812/mo (50% DSR)
Upfront cash ≈ HK$1.43M (deposit + AVD stamp duty HK$388,852 · Scale 2, in force from 26 Feb 2026)